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Friend in the USMC had a propane bottle line come detached while using it, at the burner end, and the ensuing flame alternately burned his car, then the house, then the car, then the house, etc.

USAA delicned to cover one or the other.  

This fellow, a LTC, simply recited their coverage of single peril multiple loss - they paid for both.  

I had a really rough younger life (I know, waaaaah) and learned a few things. The most prominent was "don't take an ounce of scheitttt" from anyone, ever.  

When any entity has ago at me, or underestimates me, the battle begins and it begins from the top down with my throwing every tool in the box.  

Won't say how high I used the tactic but it never, ever, let me down.  

I never worried about my reputation or social standing, just if I could live my career and life as nicely as possible.

Don't take scheittttt!!